Take our quiz to find out:

  1. Do you frequently pay bills after their due date?

  2. Are you regularly bouncing cheques?

  3. Do you use one credit card to pay the minimum amount due on another card?

  4. Are you receiving calls from collection agencies?

  5. Are you regularly asking friends or family members for loans?

  6. Have your utilities been cut off (e.g. telephone, hydro, cable)?

  7. Have you cut back on regular budget expenses (e.g. clothing, recreation) and/or necessities (e.g. food)?

  8. Are you considering taking a second job in order to help pay bills?

  9. Are you continuously going over your credit card spending limit?

  10. Are you use credit cards as a necessity rather than convenience?

  11. Have wages have been garnished to pay for an outstanding debt?

  12. Are you only able to pay interest, not reducing your total debt over a number of months?

How Many “Yes” Answers Did You Give?


While the situation may not be dire, your debt situation is getting out of control. Now is the time to take advantage of EmpireOne’s Credit Counselling services to see if you can improve your financial reality.


Thinking about finances has taken over your life and your stress levels are sky high. You would undoubtedly benefit from EmpireOne’s Credit Counselling services to look toward next steps and ultimately improve your credit.


Your debt has spiraled out of control. Call EmpireOne today to set up a free consultation. Together, you will go over your current financial state and determine next steps.


You have been thinking a lot about declaring bankruptcy because the situation seems so dire. Despite uncontrolled debt, EmpireOne Credit Counselling can help you navigate.


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